Applications / Mortgage Analytics / Lenders / Alabama / CB&S Bank
Russellville, AL · State non-member bank · FDIC · $2.9 billion assets · 940 loans in 2025
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940
loans originated, 2025
1,328
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CB&S Bank is an Alabama bank making small loans in Huntsville, Birmingham and rural Alabama, Tennessee and Mississippi, whose originations rose 8% in 2025, near the middle of similar banks.
Besides Huntsville and Birmingham, it ranked 39 of 523 lenders in non-metro Alabama and 43 of 438 in non-metro Mississippi, and also lends in non-metro Tennessee. Its typical loan was $105,000, against $195,000 at similar lenders (state non-member banks making between half and twice as many loans), among the lowest twentieth. Purchases were 36.2% of its loans, refinances 34.3%, home improvement 17.1% and other purposes 12.4%.
Originations rose 8% to 940, against 10% for similar lenders and the whole market. Five years before it made 1,233 loans. Its dollar volume, $202.5 million, was below peers' $235.1 million although it made more loans than most of them, which fits its small loans.
In Birmingham, AL its share rose to 0.4% from 0.2%; in Huntsville, AL it ranked 37 of 440, with its share down to 0.7% from 0.8%. Other lenders growing faster in Huntsville, or its lending shifting toward other markets, are possibilities.
Loans insured by the Federal Housing Administration (FHA) were 0.0% of its originations, against 4.2% five years before. Majority-minority areas took 12.0% of its loans, against 6.9% at peers, higher than about two-thirds of them. Loans in low- and moderate-income (LMI) areas fell to 12.5% from 16.9%, below peers' 14.9%; a change in where its loans were made is one possibility.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CB&S Bank took 1,328 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 36.2% · Refinance 34.3% · Home improvement 17.1% · Other 12.4%
Conventional 96.4% · VA 2.0% · USDA (RHS or FSA) 1.6% · of 940 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 517 | 55.0% |
| Tennessee | 238 | 25.3% |
| Mississippi | 169 | 18.0% |
| Florida | 9 | 1.0% |
| Georgia | 3 | 0.3% |
| Illinois | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
| New Mexico | 1 | 0.1% |
| Texas | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Huntsville | 117 |
| Florence-Muscle Shoals | 74 |
| Decatur | 50 |
| Montgomery | 44 |
| Nashville-Davidson--Murfreesboro--Franklin | 33 |
| Birmingham | 29 |
| Tuscaloosa | 28 |
| Memphis | 8 |
| Auburn-Opelika | 7 |
| Jackson | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RTWPH3HXUWR160 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 594433 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315310 | 1993–2017 |
Established 1 January 1906. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: CB&S Bank's data.
CB&S Bank's data
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CB&S Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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